The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$62,915
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,872
−HK$1,988/mo
Today · 4.125%
HK$66,860
baseline
▲ 0.50% · 4.625%
HK$70,929
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,720/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,992
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,869
−HK$1,905/mo
Today · 4.125%
HK$73,774
baseline
▲ 0.50% · 4.625%
HK$77,662
+HK$3,888/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,548/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,498
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,846
−HK$2,386/mo
Today · 4.125%
HK$80,232
baseline
▲ 0.50% · 4.625%
HK$85,114
+HK$4,882/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,464/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,991
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,243
−HK$2,286/mo
Today · 4.125%
HK$88,529
baseline
▲ 0.50% · 4.625%
HK$93,195
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,058/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,081
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,821
−HK$2,783/mo
Today · 4.125%
HK$93,604
baseline
▲ 0.50% · 4.625%
HK$99,300
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,208/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,989
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,617
−HK$2,666/mo
Today · 4.125%
HK$103,283
baseline
▲ 0.50% · 4.625%
HK$108,727
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,566/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,247
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,770
−HK$3,579/mo
Today · 4.125%
HK$120,349
baseline
▲ 0.50% · 4.625%
HK$127,671
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,698/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,986
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,365
−HK$3,428/mo
Today · 4.125%
HK$132,793
baseline
▲ 0.50% · 4.625%
HK$139,792
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,586/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,626 · Scale 2, in force from 26 Feb 2026)